Freddie Mac
Current Mortgage Rates
Freddie Mac’s Primary Mortgage Market Survey updates weekly and is useful for watching the national rate environment. Your actual rate will depend on your lender and financial profile.
See Weekly Mortgage Rates →Resources
Real estate comes with enough tabs already.
So I built one place for the stuff people actually ask me about: rates, loan programs, grants, closing costs, local market updates, buyer and seller tools, and a few “wait... what does that mean?” questions.
Use the links. Learn a little. Then when you want to know how any of it applies to your move, that’s the conversation we should have face to face.
Hampton Roads + the real world
No generic “learn more” button that drops you on a homepage and wishes you luck.
I’m linking you as close as possible to the actual information.
Start where you are
What are you trying to figure out today?
B
BuyingLoans, cash to close, education, VA/FHA and assistance programs.
S
SellingNet estimates, market context, prep questions and seller resources.
M
MarketHampton Roads data, rates, city information and local context.
?
PaperworkLoan Estimates, Closing Disclosures, costs and plain-English explainers.
Buying + financing
The links I’d rather send you than make you hunt for.
These go to official government, Virginia Housing, or primary-source pages whenever possible.
HUD / FHA
FHA Loan Basics
Direct HUD information on FHA-insured loans, including low-down-payment purchase financing and links to FHA lenders and housing counselors.
Explore FHA Loans →U.S. Department of Veterans Affairs
Buying With a VA-Backed Loan
VA’s step-by-step purchase process, including Certificate of Eligibility, lender selection, contract requirements, appraisal and closing.
VA Homebuying Process →U.S. Department of Veterans Affairs
VA Funding Fee + Closing Costs
Direct VA information on the funding fee, exemptions, rate charts and allowable closing-cost considerations.
Check VA Funding Fee Info →Virginia Housing
Loans + Grants
Virginia Housing’s consumer page for loan options, Down Payment Assistance, Closing Cost Assistance and other homebuyer programs.
Explore Virginia Programs →Virginia Housing
Homebuyer Education
Free Virginia Housing classes and online education covering budgeting, credit, mortgages, agents, inspections and the purchase process.
See Homebuyer Education →Virginia Housing
Down Payment Assistance Grant
Direct information for qualified buyers on Virginia Housing’s DPA Grant and the basic eligibility requirements.
See DPA Grant Details →Virginia Housing
Closing Cost Assistance Grant
Virginia Housing’s CCA Grant page for eligible RHS/USDA and VA transactions, including current eligibility basics.
See Closing Cost Grant →HUD
Buying a Home
A broad but useful HUD roadmap covering affordability, borrower rights, shopping for a loan and housing-counseling resources.
HUD Homebuyer Roadmap →Quick reminder: program availability, rates, income limits, credit requirements and grant eligibility can change. A lender should confirm what you actually qualify for before we build an offer strategy around it.
Paperwork without the hieroglyphics
Know what you’re looking at before somebody says “just sign here.”
Consumer Financial Protection Bureau
Loan Estimate Explainer
An interactive guide to the Loan Estimate, including projected payment, closing costs, lender fees, escrow and estimated cash to close.
Understand a Loan Estimate →Consumer Financial Protection Bureau
Closing Disclosure Explainer
Walk through the final Closing Disclosure and compare payment, loan costs, seller credits and the actual cash needed at settlement.
Understand a Closing Disclosure →Consumer Financial Protection Bureau
What Counts as Closing Costs?
A straightforward explanation of common mortgage and settlement charges, credits and prepaid expenses.
See Common Closing Costs →MTC quick-estimate tools
Run the rough numbers before we run the whole conversation.
These are simple planning tools, not settlement statements. They’re here to help you understand the categories that can move your cash-to-close or seller net up and down.
For buyers
MTC Buyer Cash-to-Close Estimate
Plug in the basic deal information and get a rough planning estimate for money that may be needed around closing.
Download Buyer EstimateRough estimate only. This is not a Loan Estimate, Closing Disclosure, lender quote, title-company quote or guarantee of final cash to close.
For sellers
MTC Seller Net Sheet
Use the worksheet to think through sale price, payoff, commissions/compensation, seller-paid costs and other items that may affect estimated proceeds.
Download Seller Net SheetRough estimate only. Final proceeds depend on contract terms, mortgage payoff, taxes, settlement/title charges, agreed compensation, prorations and other transaction-specific items.
The guides come with the conversation
You don’t need another PDF sitting unread in Downloads.
Book a no-pressure buyer or seller consultation. We’ll talk through your actual situation first, and you’ll leave with clearer next steps, some free knowledge, and a couple of useful take-home resources, including the MTC guide that matches your move.
Live Hampton Roads market
Want the numbers without waiting for somebody’s Instagram graphic?
REIN’s public Domus Analytics Market Infographic gives you a live, high-level look at Hampton Roads market activity. It’s a great place to check the pulse of the market before we get more specific about your city, property type, price point, or neighborhood.
1. Open the dashboardUse the Live REIN Market Dashboard button below.
2. Pick the marketUse the available geography and property-type filters to narrow the view.
3. Change the periodAdjust the month or available time-period comparison to see how the market is moving.
4. Bring me the questionUse the public view for the big picture. I can help put those numbers into context for your actual move.
Quick questions
The “do I need to know this before I call you?” section.
Do I need a pre-approval before we meet?
No. A consultation can happen first. Before we get serious about offers, though, we’ll want financing lined up so we know the real budget and terms.
How much cash do I need to buy?
It depends on loan type, down payment, closing costs, prepaid items, credits and assistance programs. That’s exactly why “just save 20%” is not useful advice for everybody.
Do I have to renovate before I sell?
No. Sometimes work helps. Sometimes it just burns time and money. I want to see the home and compare it to the market before recommending a project list.
Can my family be part of the consultation?
Absolutely. If they’re part of the move, I want to hear what matters to them too, especially when we’re talking about how the home actually needs to function.
Are your net sheets final numbers?
No. They are planning estimates. Lenders, settlement/title professionals and the final contract documents control the transaction’s actual figures.
How early is too early to talk?
If the move is on your mind, it isn’t too early. A good first conversation can tell us whether the next step is “go,” “prepare,” or simply “not yet.”
Already worked with me?
Tell Google how it went.
Reviews help the next person who finds me online know what the experience was actually like.
Still have a question?
Good. That’s what the consultation is for.
Bring the question, the address, the rough plan, the “I don’t even know where to start” feeling, or all of the above. We’ll sort out what matters next.